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William Penn Bank, Income and Expense

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2023-12-31 (YTD Data)		Rank
Total interest income	$31,679,000	1,338
Total interest expense	$12,109,000	1,130
Net interest income	$19,570,000	1,459
Provision for loan and lease losses	$30,000	2,940
Total noninterest income	$2,372,000	1,839
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$355,000	2,011
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,017,000	1,617
Total noninterest expense	$20,534,000	1,188
Salaries and employee benefits	$12,117,000	1,148
Premises and equipment expense	$2,873,000	908
Additional noninterest expense	$2,017,000	1,617
Pre-tax net operating income	$1,378,000	3,331
Securities gains (losses)	$85,000	286
Applicable income taxes	$102,000	2,783
Income before extraordinary items	$1,361,000	3,181
Extraordinary gains, net	$0	54
Net income	$1,361,000	3,216
Minority interest net income	$0	88
Net income of bank and minority interests.	$1,361,000	3,183
Net charge-offs	$6,000	2,549
Cash dividends	$0	3,459
Sale, conversion, retirement of capital stock, net	$0	540
Net operating income	$1,281,950	3,277
2023-09-30 (YTD Data)		Rank
Total interest income	$23,649,000	1,313
Total interest expense	$8,252,000	1,133
Net interest income	$15,397,000	1,413
Provision for loan and lease losses	$5,000	3,004
Total noninterest income	$1,771,000	1,844
Gross Fiduciary activities income	$0	950
Service charges on deposit accounts	$258,000	2,054
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,513,000	1,605
Total noninterest expense	$15,598,000	1,169
Salaries and employee benefits	$9,255,000	1,131
Premises and equipment expense	$2,189,000	900
Additional noninterest expense	$1,513,000	1,605
Pre-tax net operating income	$1,565,000	2,972
Securities gains (losses)	$0	849
Applicable income taxes	$181,000	2,396
Income before extraordinary items	$1,384,000	2,934
Extraordinary gains, net	$0	52
Net income	$1,384,000	2,964
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,384,000	2,935
Net charge-offs	$-5,000	3,673
Cash dividends	$0	3,078
Sale, conversion, retirement of capital stock, net	$0	507
Net operating income	$1,384,000	2,961
2023-06-30 (YTD Data)		Rank
Total interest income	$15,673,000	1,297
Total interest expense	$4,978,000	1,118
Net interest income	$10,695,000	1,375
Provision for loan and lease losses	$0	2,940
Total noninterest income	$1,186,000	1,786
Gross Fiduciary activities income	$0	931
Service charges on deposit accounts	$169,000	2,064
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,017,000	1,520
Total noninterest expense	$10,526,000	1,156
Salaries and employee benefits	$6,321,000	1,100
Premises and equipment expense	$1,474,000	872
Additional noninterest expense	$1,017,000	1,518
Pre-tax net operating income	$1,355,000	2,700
Securities gains (losses)	$0	938
Applicable income taxes	$185,000	2,183
Income before extraordinary items	$1,170,000	2,677
Extraordinary gains, net	$0	51
Net income	$1,170,000	2,707
Minority interest net income	$0	81
Net income of bank and minority interests.	$1,170,000	2,677
Net charge-offs	$21,000	1,520
Cash dividends	$0	2,952
Sale, conversion, retirement of capital stock, net	$0	486
Net operating income	$1,170,000	2,698
2023-03-31 (YTD Data)		Rank
Total interest income	$7,573,000	1,311
Total interest expense	$2,093,000	1,148
Net interest income	$5,480,000	1,352
Provision for loan and lease losses	$0	2,612
Total noninterest income	$616,000	1,754
Gross Fiduciary activities income	$0	913
Service charges on deposit accounts	$72,000	2,247
Trading account gains and fees	NA	NA
Additional Noninterest Income	$544,000	1,455
Total noninterest expense	$5,414,000	1,138
Salaries and employee benefits	$3,217,000	1,112
Premises and equipment expense	$766,000	866
Additional noninterest expense	$544,000	1,455
Pre-tax net operating income	$682,000	2,745
Securities gains (losses)	$0	950
Applicable income taxes	$80,000	2,302
Income before extraordinary items	$602,000	2,695
Extraordinary gains, net	$0	4
Net income	$602,000	2,695
Minority interest net income	$0	48
Net income of bank and minority interests.	$602,000	2,695
Net charge-offs	$-3,000	3,659
Cash dividends	$0	2,337
Sale, conversion, retirement of capital stock, net	$0	430
Net operating income	$602,000	2,726
2022-12-31 (YTD Data)		Rank
Total interest income	$27,839,000	1,215
Total interest expense	$3,609,000	1,011
Net interest income	$24,230,000	1,231
Provision for loan and lease losses	$10,000	2,905
Total noninterest income	$2,424,000	1,837
Gross Fiduciary activities income	$0	1,005
Service charges on deposit accounts	$310,000	2,214
Trading account gains and fees	NA	NA
Additional Noninterest Income	$2,114,000	1,569
Total noninterest expense	$20,919,000	1,148
Salaries and employee benefits	$12,436,000	1,110
Premises and equipment expense	$2,803,000	916
Additional noninterest expense	$2,114,000	1,569
Pre-tax net operating income	$5,725,000	1,881
Securities gains (losses)	$0	691
Applicable income taxes	$833,000	1,688
Income before extraordinary items	$4,892,000	1,847
Extraordinary gains, net	$0	5
Net income	$4,892,000	1,845
Minority interest net income	$0	63
Net income of bank and minority interests.	$4,892,000	1,846
Net charge-offs	$240,000	854
Cash dividends	$0	3,475
Sale, conversion, retirement of capital stock, net	$0	568
Net operating income	$4,892,000	1,880
2022-09-30 (YTD Data)		Rank
Total interest income	$20,314,000	1,192
Total interest expense	$2,065,000	994
Net interest income	$18,249,000	1,204
Provision for loan and lease losses	$10,000	2,666
Total noninterest income	$1,579,000	2,012
Gross Fiduciary activities income	$0	968
Service charges on deposit accounts	$238,000	2,208
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,341,000	1,749
Total noninterest expense	$15,479,000	1,156
Salaries and employee benefits	$9,214,000	1,122
Premises and equipment expense	$1,948,000	970
Additional noninterest expense	$1,341,000	1,749
Pre-tax net operating income	$4,339,000	1,848
Securities gains (losses)	$0	740
Applicable income taxes	$591,000	1,719
Income before extraordinary items	$3,748,000	1,812
Extraordinary gains, net	$0	4
Net income	$3,748,000	1,810
Minority interest net income	$0	57
Net income of bank and minority interests.	$3,748,000	1,811
Net charge-offs	$241,000	635
Cash dividends	$0	3,099
Sale, conversion, retirement of capital stock, net	$0	519
Net operating income	$3,748,000	1,848
2022-06-30 (YTD Data)		Rank
Total interest income	$13,264,000	1,179
Total interest expense	$1,199,000	964
Net interest income	$12,065,000	1,179
Provision for loan and lease losses	$10,000	2,402
Total noninterest income	$1,041,000	2,025
Gross Fiduciary activities income	$0	925
Service charges on deposit accounts	$156,000	2,227
Trading account gains and fees	NA	NA
Additional Noninterest Income	$885,000	1,797
Total noninterest expense	$10,133,000	1,158
Salaries and employee benefits	$5,973,000	1,134
Premises and equipment expense	$1,227,000	1,009
Additional noninterest expense	$2,933,000	1,176
Pre-tax net operating income	$2,963,000	1,751
Securities gains (losses)	$0	687
Applicable income taxes	$562,000	1,396
Income before extraordinary items	$2,401,000	1,768
Extraordinary gains, net	$0	4
Net income	$2,401,000	1,768
Minority interest net income	$0	60
Net income of bank and minority interests.	$2,401,000	1,768
Net charge-offs	$165,000	585
Cash dividends	$0	2,961
Sale, conversion, retirement of capital stock, net	$0	494
Net operating income	$2,401,000	1,803
2022-03-31 (YTD Data)		Rank
Total interest income	$6,549,000	1,153
Total interest expense	$634,000	864
Net interest income	$5,915,000	1,167
Provision for loan and lease losses	$10,000	1,994
Total noninterest income	$530,000	2,003
Gross Fiduciary activities income	$0	892
Service charges on deposit accounts	$77,000	2,220
Trading account gains and fees	NA	NA
Additional Noninterest Income	$453,000	1,774
Total noninterest expense	$5,100,000	1,151
Salaries and employee benefits	$2,932,000	1,160
Premises and equipment expense	$771,000	832
Additional noninterest expense	$1,397,000	1,213
Pre-tax net operating income	$1,335,000	1,788
Securities gains (losses)	$0	623
Applicable income taxes	$239,000	1,478
Income before extraordinary items	$1,096,000	1,806
Extraordinary gains, net	$0	4
Net income	$1,096,000	1,806
Minority interest net income	$0	50
Net income of bank and minority interests.	$1,096,000	1,806
Net charge-offs	$95,000	504
Cash dividends	$0	2,284
Sale, conversion, retirement of capital stock, net	$0	453
Net operating income	$1,096,000	1,822
2021-12-31 (YTD Data)		Rank
Total interest income	$24,613,000	1,248
Total interest expense	$3,188,000	855
Net interest income	$21,425,000	1,285
Provision for loan and lease losses	$5,000	3,015
Total noninterest income	$1,936,000	2,261
Gross Fiduciary activities income	$0	994
Service charges on deposit accounts	$305,000	2,173
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,631,000	2,121
Total noninterest expense	$18,667,000	1,226
Salaries and employee benefits	$10,711,000	1,230
Premises and equipment expense	$2,625,000	963
Additional noninterest expense	$5,331,000	1,256
Pre-tax net operating income	$4,689,000	2,135
Securities gains (losses)	$127,000	762
Applicable income taxes	$624,000	1,949
Income before extraordinary items	$4,192,000	2,096
Extraordinary gains, net	$0	10
Net income	$4,192,000	2,097
Minority interest net income	$0	74
Net income of bank and minority interests.	$4,192,000	2,097
Net charge-offs	$28,000	1,929
Cash dividends	$0	3,608
Sale, conversion, retirement of capital stock, net	$0	582
Net operating income	$4,081,510	2,099
2021-09-30 (YTD Data)		Rank
Total interest income	$18,414,000	1,271
Total interest expense	$2,501,000	874
Net interest income	$15,913,000	1,318
Provision for loan and lease losses	$5,000	2,896
Total noninterest income	$1,381,000	2,366
Gross Fiduciary activities income	$0	957
Service charges on deposit accounts	$227,000	2,190
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,154,000	2,225
Total noninterest expense	$14,034,000	1,224
Salaries and employee benefits	$7,914,000	1,253
Premises and equipment expense	$1,965,000	974
Additional noninterest expense	$4,155,000	1,211
Pre-tax net operating income	$3,255,000	2,324
Securities gains (losses)	$127,000	716
Applicable income taxes	$427,000	2,077
Income before extraordinary items	$2,955,000	2,276
Extraordinary gains, net	$0	8
Net income	$2,955,000	2,275
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,955,000	2,276
Net charge-offs	$1,000	2,373
Cash dividends	$0	3,251
Sale, conversion, retirement of capital stock, net	$0	543
Net operating income	$2,844,510	2,304
2021-06-30 (YTD Data)		Rank
Total interest income	$12,427,000	1,260
Total interest expense	$1,732,000	877
Net interest income	$10,695,000	1,298
Provision for loan and lease losses	$35,000	2,321
Total noninterest income	$883,000	2,374
Gross Fiduciary activities income	$0	951
Service charges on deposit accounts	$155,000	2,103
Trading account gains and fees	NA	NA
Additional Noninterest Income	$728,000	2,263
Total noninterest expense	$9,365,000	1,213
Salaries and employee benefits	$5,202,000	1,255
Premises and equipment expense	$1,358,000	949
Additional noninterest expense	$2,805,000	1,185
Pre-tax net operating income	$2,178,000	2,271
Securities gains (losses)	$65,000	796
Applicable income taxes	$450,000	1,747
Income before extraordinary items	$1,793,000	2,372
Extraordinary gains, net	$0	6
Net income	$1,793,000	2,371
Minority interest net income	$0	67
Net income of bank and minority interests.	$1,793,000	2,372
Net charge-offs	$9,000	1,770
Cash dividends	$0	3,104
Sale, conversion, retirement of capital stock, net	$0	517
Net operating income	$1,741,000	2,378
2021-03-31 (YTD Data)		Rank
Total interest income	$6,254,000	1,255
Total interest expense	$916,000	871
Net interest income	$5,338,000	1,284
Provision for loan and lease losses	$15,000	2,330
Total noninterest income	$402,000	2,476
Gross Fiduciary activities income	$0	922
Service charges on deposit accounts	$90,000	1,926
Trading account gains and fees	NA	NA
Additional Noninterest Income	$312,000	2,416
Total noninterest expense	$4,414,000	1,256
Salaries and employee benefits	$2,490,000	1,295
Premises and equipment expense	$739,000	896
Additional noninterest expense	$1,185,000	1,343
Pre-tax net operating income	$1,311,000	2,035
Securities gains (losses)	$35,000	755
Applicable income taxes	$275,000	1,581
Income before extraordinary items	$1,071,000	2,124
Extraordinary gains, net	$0	3
Net income	$1,071,000	2,124
Minority interest net income	$0	55
Net income of bank and minority interests.	$1,071,000	2,124
Net charge-offs	$3,000	1,645
Cash dividends	$0	2,452
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$1,043,000	2,117
2020-12-31 (YTD Data)		Rank
Total interest income	$23,777,000	1,278
Total interest expense	$5,178,000	919
Net interest income	$18,599,000	1,375
Provision for loan and lease losses	$724,000	1,909
Total noninterest income	$2,266,000	1,994
Gross Fiduciary activities income	$0	1,030
Service charges on deposit accounts	$279,000	2,324
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,987,000	1,790
Total noninterest expense	$18,378,000	1,183
Salaries and employee benefits	$8,750,000	1,407
Premises and equipment expense	$2,105,000	1,123
Additional noninterest expense	$7,523,000	926
Pre-tax net operating income	$1,763,000	3,078
Securities gains (losses)	$127,000	1,268
Applicable income taxes	$181,000	2,619
Income before extraordinary items	$1,709,000	3,026
Extraordinary gains, net	$0	4
Net income	$1,709,000	3,025
Minority interest net income	$0	72
Net income of bank and minority interests.	$1,709,000	3,026
Net charge-offs	$125,000	1,852
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	566
Net operating income	$1,594,700	3,068
2020-09-30 (YTD Data)		Rank
Total interest income	$17,370,000	1,313
Total interest expense	$3,992,000	963
Net interest income	$13,378,000	1,414
Provision for loan and lease losses	$692,000	1,681
Total noninterest income	$1,510,000	2,085
Gross Fiduciary activities income	$0	981
Service charges on deposit accounts	$185,000	2,487
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,325,000	1,876
Total noninterest expense	$13,827,000	1,164
Salaries and employee benefits	$6,224,000	1,442
Premises and equipment expense	$1,545,000	1,144
Additional noninterest expense	$6,058,000	856
Pre-tax net operating income	$369,000	4,238
Securities gains (losses)	$149,000	1,038
Applicable income taxes	$-106,000	4,927
Income before extraordinary items	$624,000	3,834
Extraordinary gains, net	$0	4
Net income	$624,000	3,833
Minority interest net income	$0	65
Net income of bank and minority interests.	$624,000	3,834
Net charge-offs	$95,000	1,701
Cash dividends	$0	3,384
Sale, conversion, retirement of capital stock, net	$0	532
Net operating income	$475,000	4,007
2020-06-30 (YTD Data)		Rank
Total interest income	$10,699,000	1,435
Total interest expense	$2,552,000	1,067
Net interest income	$8,147,000	1,522
Provision for loan and lease losses	$626,000	1,414
Total noninterest income	$1,185,000	1,856
Gross Fiduciary activities income	$0	970
Service charges on deposit accounts	$107,000	2,730
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,078,000	1,599
Total noninterest expense	$9,217,000	1,151
Salaries and employee benefits	$3,670,000	1,602
Premises and equipment expense	$866,000	1,342
Additional noninterest expense	$4,681,000	763
Pre-tax net operating income	$-511,000	4,936
Securities gains (losses)	$167,000	771
Applicable income taxes	$-261,000	4,976
Income before extraordinary items	$-83,000	4,848
Extraordinary gains, net	$0	4
Net income	$-83,000	4,848
Minority interest net income	$0	65
Net income of bank and minority interests.	$-83,000	4,848
Net charge-offs	$95,000	1,386
Cash dividends	$0	3,237
Sale, conversion, retirement of capital stock, net	$0	504
Net operating income	$-214,930	4,891
2020-03-31 (YTD Data)		Rank
Total interest income	$4,888,000	1,537
Total interest expense	$1,256,000	1,182
Net interest income	$3,632,000	1,655
Provision for loan and lease losses	$21,000	3,083
Total noninterest income	$175,000	3,180
Gross Fiduciary activities income	$0	941
Service charges on deposit accounts	$43,000	3,227
Trading account gains and fees	NA	NA
Additional Noninterest Income	$132,000	2,891
Total noninterest expense	$2,767,000	1,797
Salaries and employee benefits	$1,633,000	1,770
Premises and equipment expense	$356,000	1,594
Additional noninterest expense	$778,000	1,866
Pre-tax net operating income	$1,019,000	1,806
Securities gains (losses)	$104,000	594
Applicable income taxes	$226,000	1,301
Income before extraordinary items	$897,000	1,817
Extraordinary gains, net	$0	4
Net income	$897,000	1,817
Minority interest net income	$0	56
Net income of bank and minority interests.	$897,000	1,817
Net charge-offs	$0	2,581
Cash dividends	$0	2,639
Sale, conversion, retirement of capital stock, net	$0	482
Net operating income	$813,800	1,916
2019-12-31 (YTD Data)		Rank
Total interest income	$18,228,000	1,636
Total interest expense	$4,477,000	1,354
Net interest income	$13,751,000	1,729
Provision for loan and lease losses	$0	3,973
Total noninterest income	$1,274,000	2,508
Gross Fiduciary activities income	$0	1,051
Service charges on deposit accounts	$177,000	3,308
Trading account gains and fees	NA	NA
Additional Noninterest Income	$1,097,000	2,144
Total noninterest expense	$10,122,000	1,906
Salaries and employee benefits	$6,285,000	1,778
Premises and equipment expense	$1,173,000	1,823
Additional noninterest expense	$2,664,000	2,115
Pre-tax net operating income	$4,903,000	1,784
Securities gains (losses)	$233,000	589
Applicable income taxes	$717,000	1,690
Income before extraordinary items	$4,419,000	1,751
Extraordinary gains, net	$0	11
Net income	$4,419,000	1,753
Minority interest net income	$0	76
Net income of bank and minority interests.	$4,419,000	1,753
Net charge-offs	$161,000	1,862
Cash dividends	$1,000,000	2,317
Sale, conversion, retirement of capital stock, net	$0	626
Net operating income	$4,218,620	1,775
2019-09-30 (YTD Data)		Rank
Total interest income	$13,597,000	1,660
Total interest expense	$3,211,000	1,405
Net interest income	$10,386,000	1,747
Provision for loan and lease losses	$0	3,836
Total noninterest income	$1,058,000	2,387
Gross Fiduciary activities income	$0	1,014
Service charges on deposit accounts	$130,000	3,368
Trading account gains and fees	NA	NA
Additional Noninterest Income	$928,000	2,011
Total noninterest expense	$7,328,000	1,962
Salaries and employee benefits	$4,671,000	1,797
Premises and equipment expense	$705,000	2,134
Additional noninterest expense	$1,952,000	2,151
Pre-tax net operating income	$4,116,000	1,686
Securities gains (losses)	$233,000	485
Applicable income taxes	$1,014,000	1,218
Income before extraordinary items	$3,335,000	1,782
Extraordinary gains, net	$0	11
Net income	$3,335,000	1,783
Minority interest net income	$0	72
Net income of bank and minority interests.	$3,335,000	1,783
Net charge-offs	$-2,000	4,087
Cash dividends	$1,000,000	1,800
Sale, conversion, retirement of capital stock, net	$0	590
Net operating income	$3,150,930	1,833
2019-06-30 (YTD Data)		Rank
Total interest income	$9,008,000	1,674
Total interest expense	$2,003,000	1,457
Net interest income	$7,005,000	1,717
Provision for loan and lease losses	$0	3,685
Total noninterest income	$862,000	2,126
Gross Fiduciary activities income	$0	1,004
Service charges on deposit accounts	$87,000	3,369
Trading account gains and fees	NA	NA
Additional Noninterest Income	$775,000	1,742
Total noninterest expense	$4,742,000	2,017
Salaries and employee benefits	$3,100,000	1,802
Premises and equipment expense	$455,000	2,183
Additional noninterest expense	$1,187,000	2,300
Pre-tax net operating income	$3,125,000	1,503
Securities gains (losses)	$140,000	451
Applicable income taxes	$792,000	1,063
Income before extraordinary items	$2,473,000	1,621
Extraordinary gains, net	$0	11
Net income	$2,473,000	1,622
Minority interest net income	$0	69
Net income of bank and minority interests.	$2,473,000	1,622
Net charge-offs	$-2,000	4,040
Cash dividends	$0	3,456
Sale, conversion, retirement of capital stock, net	$0	573
Net operating income	$2,362,400	1,646
2019-03-31 (YTD Data)		Rank
Total interest income	$4,496,000	1,669
Total interest expense	$887,000	1,562
Net interest income	$3,609,000	1,697
Provision for loan and lease losses	$0	3,406
Total noninterest income	$408,000	2,144
Gross Fiduciary activities income	$0	972
Service charges on deposit accounts	$42,000	3,414
Trading account gains and fees	NA	NA
Additional Noninterest Income	$366,000	1,747
Total noninterest expense	$2,358,000	2,029
Salaries and employee benefits	$1,602,000	1,770
Premises and equipment expense	$236,000	2,163
Additional noninterest expense	$520,000	2,515
Pre-tax net operating income	$1,659,000	1,403
Securities gains (losses)	$140,000	234
Applicable income taxes	$587,000	790
Income before extraordinary items	$1,212,000	1,606
Extraordinary gains, net	$0	5
Net income	$1,212,000	1,604
Minority interest net income	$0	52
Net income of bank and minority interests.	$1,212,000	1,605
Net charge-offs	$-2,000	4,062
Cash dividends	$0	2,803
Sale, conversion, retirement of capital stock, net	$0	529
Net operating income	$1,101,400	1,716
2018-12-31 (YTD Data)		Rank
Total interest income	$15,001,000	1,859
Total interest expense	$3,067,000	1,407
Net interest income	$11,934,000	1,966
Provision for loan and lease losses	$73,000	3,277
Total noninterest income	$711,000	3,306
Gross Fiduciary activities income	$0	1,098
Service charges on deposit accounts	$93,000	4,207
Trading account gains and fees	$0	126
Additional Noninterest Income	$618,000	2,810
Total noninterest expense	$9,225,000	2,028
Salaries and employee benefits	$5,693,000	1,890
Premises and equipment expense	$627,000	2,757
Additional noninterest expense	$2,905,000	1,983
Pre-tax net operating income	$3,347,000	2,346
Securities gains (losses)	$0	1,125
Applicable income taxes	$808,000	1,577
Income before extraordinary items	$2,539,000	2,566
Extraordinary gains, net	$0	6
Net income	$2,539,000	2,565
Minority interest net income	$0	72
Net income of bank and minority interests.	$2,539,000	2,565
Net charge-offs	$-4,000	4,359
Cash dividends	$2,000,000	1,447
Sale, conversion, retirement of capital stock, net	$0	671
Net operating income	$2,539,000	2,558
2018-09-30 (YTD Data)		Rank
Total interest income	$10,547,000	1,942
Total interest expense	$2,289,000	1,334
Net interest income	$8,258,000	2,080
Provision for loan and lease losses	$-15,000	5,217
Total noninterest income	$500,000	3,424
Gross Fiduciary activities income	$0	1,048
Service charges on deposit accounts	$52,000	4,532
Trading account gains and fees	$0	138
Additional Noninterest Income	$448,000	2,894
Total noninterest expense	$6,045,000	2,230
Salaries and employee benefits	$3,793,000	2,068
Premises and equipment expense	$391,000	3,108
Additional noninterest expense	$1,861,000	2,229
Pre-tax net operating income	$2,728,000	2,255
Securities gains (losses)	$0	1,118
Applicable income taxes	$730,000	1,459
Income before extraordinary items	$1,998,000	2,521
Extraordinary gains, net	$0	5
Net income	$1,998,000	2,520
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,998,000	2,520
Net charge-offs	$-3,000	4,190
Cash dividends	$2,000,000	1,065
Sale, conversion, retirement of capital stock, net	$0	633
Net operating income	$1,998,000	2,514
2018-06-30 (YTD Data)		Rank
Total interest income	$6,184,000	2,132
Total interest expense	$1,465,000	1,314
Net interest income	$4,719,000	2,354
Provision for loan and lease losses	$-15,000	5,309
Total noninterest income	$243,000	3,866
Gross Fiduciary activities income	$0	1,037
Service charges on deposit accounts	$14,000	5,100
Trading account gains and fees	$0	130
Additional Noninterest Income	$229,000	3,198
Total noninterest expense	$3,248,000	2,611
Salaries and employee benefits	$2,182,000	2,332
Premises and equipment expense	$166,000	3,924
Additional noninterest expense	$900,000	2,797
Pre-tax net operating income	$1,729,000	2,310
Securities gains (losses)	$0	961
Applicable income taxes	$526,000	1,370
Income before extraordinary items	$1,203,000	2,665
Extraordinary gains, net	$0	6
Net income	$1,203,000	2,664
Minority interest net income	$0	65
Net income of bank and minority interests.	$1,203,000	2,664
Net charge-offs	$-23,000	4,790
Cash dividends	$0	3,485
Sale, conversion, retirement of capital stock, net	$0	620
Net operating income	$1,203,000	2,657
2018-03-31 (YTD Data)		Rank
Total interest income	$3,053,000	2,144
Total interest expense	$725,000	1,277
Net interest income	$2,328,000	2,382
Provision for loan and lease losses	$22,000	2,757
Total noninterest income	$57,000	4,662
Gross Fiduciary activities income	$0	1,003
Service charges on deposit accounts	$7,000	5,141
Trading account gains and fees	$0	123
Additional Noninterest Income	$50,000	4,159
Total noninterest expense	$1,611,000	2,643
Salaries and employee benefits	$1,130,000	2,291
Premises and equipment expense	$91,000	3,805
Additional noninterest expense	$390,000	3,111
Pre-tax net operating income	$752,000	2,486
Securities gains (losses)	$0	735
Applicable income taxes	$214,000	1,514
Income before extraordinary items	$538,000	2,779
Extraordinary gains, net	$0	7
Net income	$538,000	2,779
Minority interest net income	$0	52
Net income of bank and minority interests.	$538,000	2,779
Net charge-offs	$-21,000	4,998
Cash dividends	$0	2,774
Sale, conversion, retirement of capital stock, net	$0	580
Net operating income	$538,000	2,768
2017-12-31 (YTD Data)		Rank
Total interest income	$12,276,000	2,095
Total interest expense	$3,408,000	959
Net interest income	$8,868,000	2,438
Provision for loan and lease losses	$-94,000	5,367
Total noninterest income	$242,000	4,704
Gross Fiduciary activities income	$0	1,137
Service charges on deposit accounts	$28,000	5,243
Trading account gains and fees	$0	151
Additional Noninterest Income	$214,000	4,140
Total noninterest expense	$5,275,000	3,001
Salaries and employee benefits	$3,657,000	2,625
Premises and equipment expense	$317,000	4,075
Additional noninterest expense	$1,301,000	3,496
Pre-tax net operating income	$3,929,000	2,066
Securities gains (losses)	$0	2,243
Applicable income taxes	$2,183,000	1,213
Income before extraordinary items	$1,746,000	2,909
Extraordinary gains, net	$0	9
Net income	$1,746,000	2,908
Minority interest net income	$0	76
Net income of bank and minority interests.	$1,746,000	2,909
Net charge-offs	$24,000	3,347
Cash dividends	$0	4,147
Sale, conversion, retirement of capital stock, net	$0	711
Net operating income	$1,746,000	2,886
2017-09-30 (YTD Data)		Rank
Total interest income	$9,178,000	2,102
Total interest expense	$2,554,000	947
Net interest income	$6,624,000	2,455
Provision for loan and lease losses	$12,000	3,857
Total noninterest income	$171,000	4,807
Gross Fiduciary activities income	$0	1,093
Service charges on deposit accounts	$21,000	5,302
Trading account gains and fees	$0	145
Additional Noninterest Income	$150,000	4,255
Total noninterest expense	$3,800,000	3,086
Salaries and employee benefits	$2,703,000	2,674
Premises and equipment expense	$243,000	4,078
Additional noninterest expense	$854,000	3,786
Pre-tax net operating income	$2,983,000	2,073
Securities gains (losses)	$0	2,274
Applicable income taxes	$989,000	1,470
Income before extraordinary items	$1,994,000	2,412
Extraordinary gains, net	$0	9
Net income	$1,994,000	2,411
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,994,000	2,412
Net charge-offs	$26,000	2,851
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	677
Net operating income	$1,994,000	2,390
2017-06-30 (YTD Data)		Rank
Total interest income	$6,138,000	2,080
Total interest expense	$1,687,000	934
Net interest income	$4,451,000	2,423
Provision for loan and lease losses	$12,000	3,569
Total noninterest income	$105,000	4,879
Gross Fiduciary activities income	$0	1,079
Service charges on deposit accounts	$14,000	5,344
Trading account gains and fees	$0	139
Additional Noninterest Income	$91,000	4,368
Total noninterest expense	$2,484,000	3,142
Salaries and employee benefits	$1,747,000	2,749
Premises and equipment expense	$170,000	4,003
Additional noninterest expense	$567,000	3,819
Pre-tax net operating income	$2,060,000	1,981
Securities gains (losses)	$0	1,906
Applicable income taxes	$683,000	1,426
Income before extraordinary items	$1,377,000	2,301
Extraordinary gains, net	$0	11
Net income	$1,377,000	2,302
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,377,000	2,302
Net charge-offs	$42,000	2,118
Cash dividends	$0	3,544
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$1,377,000	2,268
2017-03-31 (YTD Data)		Rank
Total interest income	$3,106,000	2,049
Total interest expense	$837,000	917
Net interest income	$2,269,000	2,391
Provision for loan and lease losses	$5,000	3,362
Total noninterest income	$51,000	4,958
Gross Fiduciary activities income	$0	1,045
Service charges on deposit accounts	$7,000	5,388
Trading account gains and fees	$0	142
Additional Noninterest Income	$44,000	4,438
Total noninterest expense	$1,305,000	3,087
Salaries and employee benefits	$935,000	2,658
Premises and equipment expense	$87,000	4,004
Additional noninterest expense	$283,000	3,854
Pre-tax net operating income	$1,010,000	1,950
Securities gains (losses)	$0	1,153
Applicable income taxes	$331,000	1,412
Income before extraordinary items	$679,000	2,245
Extraordinary gains, net	$0	8
Net income	$679,000	2,246
Minority interest net income	$0	55
Net income of bank and minority interests.	$679,000	2,246
Net charge-offs	$-19,000	5,237
Cash dividends	$0	2,846
Sale, conversion, retirement of capital stock, net	$0	632
Net operating income	$679,000	2,217
2016-12-31 (YTD Data)		Rank
Total interest income	$12,316,000	2,027
Total interest expense	$3,505,000	836
Net interest income	$8,811,000	2,427
Provision for loan and lease losses	$-47,000	5,524
Total noninterest income	$156,000	5,247
Gross Fiduciary activities income	$0	1,172
Service charges on deposit accounts	$32,000	5,414
Trading account gains and fees	$0	170
Additional Noninterest Income	$124,000	4,823
Total noninterest expense	$5,087,000	3,154
Salaries and employee benefits	$3,615,000	2,689
Premises and equipment expense	$340,000	4,083
Additional noninterest expense	$1,132,000	3,950
Pre-tax net operating income	$3,927,000	1,962
Securities gains (losses)	$0	3,212
Applicable income taxes	$1,356,000	1,358
Income before extraordinary items	$2,571,000	2,360
Extraordinary gains, net	$0	5
Net income	$2,571,000	2,357
Minority interest net income	$0	82
Net income of bank and minority interests.	$2,571,000	2,359
Net charge-offs	$-84,000	5,488
Cash dividends	$0	4,239
Sale, conversion, retirement of capital stock, net	$0	759
Net operating income	$2,571,000	2,306
2016-09-30 (YTD Data)		Rank
Total interest income	$9,336,000	2,014
Total interest expense	$2,625,000	832
Net interest income	$6,711,000	2,394
Provision for loan and lease losses	$-50,000	5,684
Total noninterest income	$6,000	5,901
Gross Fiduciary activities income	$0	1,132
Service charges on deposit accounts	$25,000	5,455
Trading account gains and fees	$0	169
Additional Noninterest Income	$-19,000	5,922
Total noninterest expense	$3,890,000	3,117
Salaries and employee benefits	$2,736,000	2,670
Premises and equipment expense	$267,000	4,017
Additional noninterest expense	$887,000	3,880
Pre-tax net operating income	$2,877,000	2,018
Securities gains (losses)	$0	3,160
Applicable income taxes	$976,000	1,433
Income before extraordinary items	$1,901,000	2,426
Extraordinary gains, net	$0	5
Net income	$1,901,000	2,425
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,901,000	2,426
Net charge-offs	$-54,000	5,398
Cash dividends	$0	3,792
Sale, conversion, retirement of capital stock, net	$0	719
Net operating income	$1,901,000	2,364
2016-06-30 (YTD Data)		Rank
Total interest income	$6,346,000	1,982
Total interest expense	$1,740,000	839
Net interest income	$4,606,000	2,346
Provision for loan and lease losses	$-50,000	5,807
Total noninterest income	$-40,000	6,027
Gross Fiduciary activities income	$0	1,122
Service charges on deposit accounts	$17,000	5,496
Trading account gains and fees	$0	157
Additional Noninterest Income	$-57,000	6,023
Total noninterest expense	$2,589,000	3,137
Salaries and employee benefits	$1,806,000	2,710
Premises and equipment expense	$193,000	3,879
Additional noninterest expense	$590,000	3,911
Pre-tax net operating income	$2,027,000	1,916
Securities gains (losses)	$0	2,835
Applicable income taxes	$689,000	1,370
Income before extraordinary items	$1,338,000	2,308
Extraordinary gains, net	$0	16
Net income	$1,338,000	2,307
Minority interest net income	$0	71
Net income of bank and minority interests.	$1,338,000	2,307
Net charge-offs	$-47,000	5,488
Cash dividends	$0	3,654
Sale, conversion, retirement of capital stock, net	$0	705
Net operating income	$1,338,000	2,248
2016-03-31 (YTD Data)		Rank
Total interest income	$3,121,000	2,012
Total interest expense	$868,000	833
Net interest income	$2,253,000	2,396
Provision for loan and lease losses	$15,000	2,996
Total noninterest income	$36,000	5,390
Gross Fiduciary activities income	$0	1,076
Service charges on deposit accounts	$9,000	5,488
Trading account gains and fees	$0	142
Additional Noninterest Income	$27,000	5,014
Total noninterest expense	$1,194,000	3,311
Salaries and employee benefits	$804,000	2,938
Premises and equipment expense	$99,000	3,882
Additional noninterest expense	$291,000	3,951
Pre-tax net operating income	$1,080,000	1,820
Securities gains (losses)	$0	2,077
Applicable income taxes	$365,000	1,309
Income before extraordinary items	$715,000	2,172
Extraordinary gains, net	$0	12
Net income	$715,000	2,172
Minority interest net income	$0	62
Net income of bank and minority interests.	$715,000	2,172
Net charge-offs	$-10,000	5,188
Cash dividends	$0	2,895
Sale, conversion, retirement of capital stock, net	$0	659
Net operating income	$715,000	2,108
2015-12-31 (YTD Data)		Rank
Total interest income	$12,730,000	1,934
Total interest expense	$3,711,000	752
Net interest income	$9,019,000	2,348
Provision for loan and lease losses	$180,000	2,436
Total noninterest income	$171,000	5,342
Gross Fiduciary activities income	$0	1,209
Service charges on deposit accounts	$40,000	5,562
Trading account gains and fees	$0	159
Additional Noninterest Income	$131,000	4,889
Total noninterest expense	$5,049,000	3,190
Salaries and employee benefits	$3,439,000	2,774
Premises and equipment expense	$387,000	3,981
Additional noninterest expense	$1,223,000	3,883
Pre-tax net operating income	$3,961,000	1,880
Securities gains (losses)	$0	3,216
Applicable income taxes	$1,341,000	1,317
Income before extraordinary items	$2,620,000	2,258
Extraordinary gains, net	$0	23
Net income	$2,620,000	2,258
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,620,000	2,259
Net charge-offs	$32,000	3,529
Cash dividends	$0	4,291
Sale, conversion, retirement of capital stock, net	$0	804
Net operating income	$2,620,000	2,215
2015-09-30 (YTD Data)		Rank
Total interest income	$9,614,000	1,931
Total interest expense	$2,835,000	737
Net interest income	$6,779,000	2,355
Provision for loan and lease losses	$180,000	2,044
Total noninterest income	$122,000	5,434
Gross Fiduciary activities income	$0	1,169
Service charges on deposit accounts	$30,000	5,635
Trading account gains and fees	$0	153
Additional Noninterest Income	$92,000	4,967
Total noninterest expense	$3,708,000	3,255
Salaries and employee benefits	$2,481,000	2,865
Premises and equipment expense	$299,000	3,958
Additional noninterest expense	$928,000	3,864
Pre-tax net operating income	$3,013,000	1,893
Securities gains (losses)	$0	3,031
Applicable income taxes	$1,021,000	1,349
Income before extraordinary items	$1,992,000	2,272
Extraordinary gains, net	$0	21
Net income	$1,992,000	2,273
Minority interest net income	$0	78
Net income of bank and minority interests.	$1,992,000	2,273
Net charge-offs	$110,000	2,067
Cash dividends	$0	3,825
Sale, conversion, retirement of capital stock, net	$0	773
Net operating income	$1,992,000	2,233
2015-06-30 (YTD Data)		Rank
Total interest income	$6,473,000	1,909
Total interest expense	$1,920,000	733
Net interest income	$4,553,000	2,342
Provision for loan and lease losses	$125,000	1,961
Total noninterest income	$88,000	5,408
Gross Fiduciary activities income	$0	1,152
Service charges on deposit accounts	$19,000	5,706
Trading account gains and fees	$0	157
Additional Noninterest Income	$69,000	4,910
Total noninterest expense	$2,500,000	3,263
Salaries and employee benefits	$1,692,000	2,826
Premises and equipment expense	$215,000	3,847
Additional noninterest expense	$593,000	3,979
Pre-tax net operating income	$2,016,000	1,889
Securities gains (losses)	$0	2,636
Applicable income taxes	$684,000	1,345
Income before extraordinary items	$1,332,000	2,247
Extraordinary gains, net	$0	22
Net income	$1,332,000	2,249
Minority interest net income	$0	75
Net income of bank and minority interests.	$1,332,000	2,249
Net charge-offs	$178,000	1,266
Cash dividends	$0	3,664
Sale, conversion, retirement of capital stock, net	$0	751
Net operating income	$1,332,000	2,196
2015-03-31 (YTD Data)		Rank
Total interest income	$3,285,000	1,895
Total interest expense	$958,000	730
Net interest income	$2,327,000	2,294
Provision for loan and lease losses	$90,000	1,532
Total noninterest income	$53,000	5,250
Gross Fiduciary activities income	$0	1,118
Service charges on deposit accounts	$9,000	5,746
Trading account gains and fees	$0	152
Additional Noninterest Income	$44,000	4,655
Total noninterest expense	$1,184,000	3,398
Salaries and employee benefits	$775,000	3,034
Premises and equipment expense	$113,000	3,790
Additional noninterest expense	$296,000	4,004
Pre-tax net operating income	$1,106,000	1,702
Securities gains (losses)	$0	2,027
Applicable income taxes	$374,000	1,242
Income before extraordinary items	$732,000	2,060
Extraordinary gains, net	$0	13
Net income	$732,000	2,061
Minority interest net income	$0	64
Net income of bank and minority interests.	$732,000	2,061
Net charge-offs	$175,000	804
Cash dividends	$0	2,892
Sale, conversion, retirement of capital stock, net	$0	697
Net operating income	$732,000	1,996
2014-12-31 (YTD Data)		Rank
Total interest income	$12,726,000	1,945
Total interest expense	$3,825,000	772
Net interest income	$8,901,000	2,384
Provision for loan and lease losses	$285,000	2,062
Total noninterest income	$679,000	3,760
Gross Fiduciary activities income	$0	1,256
Service charges on deposit accounts	$40,000	5,854
Trading account gains and fees	$0	180
Additional Noninterest Income	$639,000	2,951
Total noninterest expense	$5,001,000	3,309
Salaries and employee benefits	$3,354,000	2,848
Premises and equipment expense	$433,000	3,925
Additional noninterest expense	$1,214,000	4,031
Pre-tax net operating income	$4,294,000	1,737
Securities gains (losses)	$0	3,259
Applicable income taxes	$1,464,000	1,218
Income before extraordinary items	$2,830,000	2,114
Extraordinary gains, net	$0	17
Net income	$2,830,000	2,114
Minority interest net income	$0	84
Net income of bank and minority interests.	$2,830,000	2,113
Net charge-offs	$396,000	1,738
Cash dividends	$0	4,358
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,830,000	2,064
2014-09-30 (YTD Data)		Rank
Total interest income	$9,524,000	1,958
Total interest expense	$2,859,000	781
Net interest income	$6,665,000	2,399
Provision for loan and lease losses	$233,000	1,900
Total noninterest income	$631,000	3,439
Gross Fiduciary activities income	$0	1,202
Service charges on deposit accounts	$31,000	5,911
Trading account gains and fees	$0	174
Additional Noninterest Income	$600,000	2,644
Total noninterest expense	$3,709,000	3,362
Salaries and employee benefits	$2,448,000	2,919
Premises and equipment expense	$331,000	3,949
Additional noninterest expense	$930,000	3,999
Pre-tax net operating income	$3,354,000	1,694
Securities gains (losses)	$0	2,980
Applicable income taxes	$1,132,000	1,199
Income before extraordinary items	$2,222,000	2,044
Extraordinary gains, net	$0	15
Net income	$2,222,000	2,043
Minority interest net income	$0	81
Net income of bank and minority interests.	$2,222,000	2,042
Net charge-offs	$399,000	1,354
Cash dividends	$0	3,845
Sale, conversion, retirement of capital stock, net	$0	819
Net operating income	$2,222,000	1,993
2014-06-30 (YTD Data)		Rank
Total interest income	$6,355,000	1,955
Total interest expense	$1,897,000	789
Net interest income	$4,458,000	2,378
Provision for loan and lease losses	$178,000	1,755
Total noninterest income	$595,000	2,848
Gross Fiduciary activities income	$0	1,182
Service charges on deposit accounts	$20,000	5,963
Trading account gains and fees	$0	172
Additional Noninterest Income	$575,000	2,120
Total noninterest expense	$2,468,000	3,378
Salaries and employee benefits	$1,668,000	2,885
Premises and equipment expense	$218,000	4,003
Additional noninterest expense	$582,000	4,160
Pre-tax net operating income	$2,407,000	1,545
Securities gains (losses)	$0	2,580
Applicable income taxes	$821,000	1,111
Income before extraordinary items	$1,586,000	1,893
Extraordinary gains, net	$0	20
Net income	$1,586,000	1,897
Minority interest net income	$0	80
Net income of bank and minority interests.	$1,586,000	1,896
Net charge-offs	$50,000	2,790
Cash dividends	$0	3,668
Sale, conversion, retirement of capital stock, net	$0	794
Net operating income	$1,586,000	1,843
2014-03-31 (YTD Data)		Rank
Total interest income	$3,162,000	1,956
Total interest expense	$944,000	807
Net interest income	$2,218,000	2,371
Provision for loan and lease losses	$90,000	1,672
Total noninterest income	$563,000	1,886
Gross Fiduciary activities income	$0	1,141
Service charges on deposit accounts	$10,000	5,989
Trading account gains and fees	$0	147
Additional Noninterest Income	$553,000	1,314
Total noninterest expense	$1,159,000	3,547
Salaries and employee benefits	$759,000	3,106
Premises and equipment expense	$116,000	3,915
Additional noninterest expense	$284,000	4,226
Pre-tax net operating income	$1,532,000	1,225
Securities gains (losses)	$0	1,715
Applicable income taxes	$521,000	906
Income before extraordinary items	$1,011,000	1,476
Extraordinary gains, net	$0	16
Net income	$1,011,000	1,479
Minority interest net income	$0	66
Net income of bank and minority interests.	$1,011,000	1,479
Net charge-offs	$9,000	2,888
Cash dividends	$0	2,887
Sale, conversion, retirement of capital stock, net	$0	747
Net operating income	$1,011,000	1,456
2013-12-31 (YTD Data)		Rank
Total interest income	$13,165,000	1,898
Total interest expense	$4,297,000	780
Net interest income	$8,868,000	2,377
Provision for loan and lease losses	$482,000	1,893
Total noninterest income	$322,000	5,052
Gross Fiduciary activities income	$0	1,299
Service charges on deposit accounts	$38,000	6,160
Trading account gains and fees	$0	184
Additional Noninterest Income	$284,000	4,163
Total noninterest expense	$4,841,000	3,484
Salaries and employee benefits	$3,209,000	2,968
Premises and equipment expense	$448,000	3,976
Additional noninterest expense	$1,184,000	4,233
Pre-tax net operating income	$3,867,000	1,767
Securities gains (losses)	$0	3,182
Applicable income taxes	$1,281,000	1,253
Income before extraordinary items	$2,586,000	2,142
Extraordinary gains, net	$0	29
Net income	$2,586,000	2,146
Minority interest net income	$0	90
Net income of bank and minority interests.	$2,586,000	2,146
Net charge-offs	$181,000	3,121
Cash dividends	$0	4,350
Sale, conversion, retirement of capital stock, net	$0	924
Net operating income	$2,586,000	2,088
2013-09-30 (YTD Data)		Rank
Total interest income	$9,929,000	1,892
Total interest expense	$3,269,000	795
Net interest income	$6,660,000	2,377
Provision for loan and lease losses	$415,000	1,722
Total noninterest income	$273,000	4,957
Gross Fiduciary activities income	$0	1,238
Service charges on deposit accounts	$27,000	6,270
Trading account gains and fees	$0	180
Additional Noninterest Income	$246,000	4,040
Total noninterest expense	$3,606,000	3,512
Salaries and employee benefits	$2,359,000	3,027
Premises and equipment expense	$347,000	3,952
Additional noninterest expense	$900,000	4,203
Pre-tax net operating income	$2,912,000	1,782
Securities gains (losses)	$0	3,040
Applicable income taxes	$956,000	1,298
Income before extraordinary items	$1,956,000	2,171
Extraordinary gains, net	$0	25
Net income	$1,956,000	2,177
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,956,000	2,177
Net charge-offs	$194,000	2,606
Cash dividends	$0	3,782
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,956,000	2,108
2013-06-30 (YTD Data)		Rank
Total interest income	$6,616,000	1,888
Total interest expense	$2,160,000	824
Net interest income	$4,456,000	2,348
Provision for loan and lease losses	$150,000	2,434
Total noninterest income	$73,000	6,015
Gross Fiduciary activities income	$0	1,226
Service charges on deposit accounts	$17,000	6,321
Trading account gains and fees	$0	157
Additional Noninterest Income	$56,000	5,394
Total noninterest expense	$2,456,000	3,477
Salaries and employee benefits	$1,612,000	3,006
Premises and equipment expense	$238,000	3,898
Additional noninterest expense	$606,000	4,163
Pre-tax net operating income	$1,923,000	1,786
Securities gains (losses)	$0	2,791
Applicable income taxes	$633,000	1,287
Income before extraordinary items	$1,290,000	2,175
Extraordinary gains, net	$0	22
Net income	$1,290,000	2,183
Minority interest net income	$0	82
Net income of bank and minority interests.	$1,290,000	2,181
Net charge-offs	$96,000	2,797
Cash dividends	$0	3,564
Sale, conversion, retirement of capital stock, net	$0	838
Net operating income	$1,290,000	2,087
2013-03-31 (YTD Data)		Rank
Total interest income	$3,305,000	1,903
Total interest expense	$1,080,000	861
Net interest income	$2,225,000	2,360
Provision for loan and lease losses	$72,000	2,493
Total noninterest income	$38,000	5,993
Gross Fiduciary activities income	$0	1,171
Service charges on deposit accounts	$8,000	6,381
Trading account gains and fees	$0	148
Additional Noninterest Income	$30,000	5,316
Total noninterest expense	$1,169,000	3,624
Salaries and employee benefits	$735,000	3,212
Premises and equipment expense	$122,000	3,857
Additional noninterest expense	$312,000	4,125
Pre-tax net operating income	$1,022,000	1,669
Securities gains (losses)	$0	1,966
Applicable income taxes	$331,000	1,241
Income before extraordinary items	$691,000	2,014
Extraordinary gains, net	$0	10
Net income	$691,000	2,015
Minority interest net income	$0	76
Net income of bank and minority interests.	$691,000	2,016
Net charge-offs	$80,000	2,061
Cash dividends	$0	2,726
Sale, conversion, retirement of capital stock, net	$0	789
Net operating income	$691,000	1,935
2012-12-31 (YTD Data)		Rank
Total interest income	$13,729,000	1,924
Total interest expense	$4,549,000	998
Net interest income	$9,180,000	2,341
Provision for loan and lease losses	$292,000	3,451
Total noninterest income	$219,000	5,591
Gross Fiduciary activities income	$0	1,334
Service charges on deposit accounts	$35,000	6,469
Trading account gains and fees	$0	166
Additional Noninterest Income	$184,000	4,693
Total noninterest expense	$4,726,000	3,626
Salaries and employee benefits	$3,125,000	3,041
Premises and equipment expense	$438,000	4,126
Additional noninterest expense	$1,163,000	4,429
Pre-tax net operating income	$4,381,000	1,547
Securities gains (losses)	$0	3,810
Applicable income taxes	$1,580,000	1,049
Income before extraordinary items	$2,801,000	1,976
Extraordinary gains, net	$0	29
Net income	$2,801,000	1,975
Minority interest net income	$0	93
Net income of bank and minority interests.	$2,801,000	1,977
Net charge-offs	$201,000	3,759
Cash dividends	$0	4,373
Sale, conversion, retirement of capital stock, net	$0	1,002
Net operating income	$2,801,000	1,870
2012-09-30 (YTD Data)		Rank
Total interest income	$10,390,000	1,929
Total interest expense	$3,442,000	1,041
Net interest income	$6,948,000	2,355
Provision for loan and lease losses	$234,000	3,298
Total noninterest income	$169,000	5,625
Gross Fiduciary activities income	$0	1,274
Service charges on deposit accounts	$25,000	6,573
Trading account gains and fees	$0	157
Additional Noninterest Income	$144,000	4,694
Total noninterest expense	$3,489,000	3,690
Salaries and employee benefits	$2,271,000	3,121
Premises and equipment expense	$329,000	4,162
Additional noninterest expense	$889,000	4,418
Pre-tax net operating income	$3,394,000	1,529
Securities gains (losses)	$0	3,575
Applicable income taxes	$1,237,000	1,045
Income before extraordinary items	$2,157,000	1,973
Extraordinary gains, net	$0	20
Net income	$2,157,000	1,972
Minority interest net income	$0	86
Net income of bank and minority interests.	$2,157,000	1,974
Net charge-offs	$225,000	3,160
Cash dividends	$0	3,773
Sale, conversion, retirement of capital stock, net	$0	952
Net operating income	$2,157,000	1,855
2012-06-30 (YTD Data)		Rank
Total interest income	$7,000,000	1,916
Total interest expense	$2,311,000	1,057
Net interest income	$4,689,000	2,330
Provision for loan and lease losses	$185,000	3,078
Total noninterest income	$84,000	5,974
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$17,000	6,607
Trading account gains and fees	$0	153
Additional Noninterest Income	$67,000	5,156
Total noninterest expense	$2,394,000	3,624
Salaries and employee benefits	$1,558,000	3,084
Premises and equipment expense	$218,000	4,191
Additional noninterest expense	$618,000	4,319
Pre-tax net operating income	$2,194,000	1,574
Securities gains (losses)	$0	3,178
Applicable income taxes	$823,000	1,039
Income before extraordinary items	$1,371,000	2,040
Extraordinary gains, net	$0	19
Net income	$1,371,000	2,038
Minority interest net income	$0	84
Net income of bank and minority interests.	$1,371,000	2,040
Net charge-offs	$205,000	2,731
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$1,371,000	1,934
2012-03-31 (YTD Data)		Rank
Total interest income	$3,510,000	1,934
Total interest expense	$1,168,000	1,091
Net interest income	$2,342,000	2,342
Provision for loan and lease losses	$89,000	3,066
Total noninterest income	$49,000	5,866
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$8,000	6,658
Trading account gains and fees	$0	148
Additional Noninterest Income	$41,000	4,998
Total noninterest expense	$1,121,000	3,816
Salaries and employee benefits	$705,000	3,325
Premises and equipment expense	$110,000	4,193
Additional noninterest expense	$306,000	4,342
Pre-tax net operating income	$1,181,000	1,465
Securities gains (losses)	$0	2,210
Applicable income taxes	$463,000	947
Income before extraordinary items	$718,000	1,973
Extraordinary gains, net	$0	19
Net income	$718,000	1,974
Minority interest net income	$0	78
Net income of bank and minority interests.	$718,000	1,975
Net charge-offs	$33,000	3,357
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$718,000	1,867
2011-12-31 (YTD Data)		Rank
Total interest income	$14,806,000	1,901
Total interest expense	$5,349,000	1,124
Net interest income	$9,457,000	2,308
Provision for loan and lease losses	$971,000	2,458
Total noninterest income	$135,000	6,149
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	6,974
Trading account gains and fees	$0	146
Additional Noninterest Income	$135,000	4,980
Total noninterest expense	$4,808,000	3,639
Salaries and employee benefits	$2,922,000	3,184
Premises and equipment expense	$865,000	2,731
Additional noninterest expense	$1,021,000	4,853
Pre-tax net operating income	$3,813,000	1,488
Securities gains (losses)	$249,000	1,283
Applicable income taxes	$1,361,000	1,066
Income before extraordinary items	$2,701,000	1,760
Extraordinary gains, net	$0	29
Net income	$2,701,000	1,762
Minority interest net income	$0	96
Net income of bank and minority interests.	$2,701,000	1,762
Net charge-offs	$476,000	3,242
Cash dividends	$0	4,207
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$2,536,660	1,774
2011-09-30 (YTD Data)		Rank
Total interest income	$11,181,000	1,914
Total interest expense	$4,103,000	1,149
Net interest income	$7,078,000	2,319
Provision for loan and lease losses	$780,000	2,298
Total noninterest income	$46,000	6,820
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	7,025
Trading account gains and fees	$0	145
Additional Noninterest Income	$46,000	5,880
Total noninterest expense	$3,562,000	3,673
Salaries and employee benefits	$2,107,000	3,273
Premises and equipment expense	$668,000	2,693
Additional noninterest expense	$787,000	4,812
Pre-tax net operating income	$2,782,000	1,586
Securities gains (losses)	$249,000	1,049
Applicable income taxes	$1,009,000	1,084
Income before extraordinary items	$2,022,000	1,816
Extraordinary gains, net	$0	21
Net income	$2,022,000	1,816
Minority interest net income	$0	87
Net income of bank and minority interests.	$2,022,000	1,816
Net charge-offs	$243,000	3,484
Cash dividends	$0	3,617
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,855,170	1,858
2011-06-30 (YTD Data)		Rank
Total interest income	$7,481,000	1,918
Total interest expense	$2,727,000	1,185
Net interest income	$4,754,000	2,307
Provision for loan and lease losses	$701,000	1,887
Total noninterest income	$113,000	5,713
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	7,067
Trading account gains and fees	$0	153
Additional Noninterest Income	$113,000	4,372
Total noninterest expense	$2,437,000	3,644
Salaries and employee benefits	$1,416,000	3,285
Premises and equipment expense	$447,000	2,680
Additional noninterest expense	$574,000	4,642
Pre-tax net operating income	$1,729,000	1,644
Securities gains (losses)	$249,000	626
Applicable income taxes	$660,000	1,070
Income before extraordinary items	$1,318,000	1,802
Extraordinary gains, net	$0	15
Net income	$1,318,000	1,802
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,318,000	1,802
Net charge-offs	$191,000	3,166
Cash dividends	$0	3,374
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,151,170	1,947
2011-03-31 (YTD Data)		Rank
Total interest income	$3,773,000	1,909
Total interest expense	$1,359,000	1,241
Net interest income	$2,414,000	2,263
Provision for loan and lease losses	$451,000	1,515
Total noninterest income	$56,000	5,814
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$0	7,070
Trading account gains and fees	$0	158
Additional Noninterest Income	$56,000	4,485
Total noninterest expense	$1,061,000	4,033
Salaries and employee benefits	$636,000	3,564
Premises and equipment expense	$222,000	2,744
Additional noninterest expense	$203,000	5,501
Pre-tax net operating income	$958,000	1,509
Securities gains (losses)	$249,000	291
Applicable income taxes	$402,000	890
Income before extraordinary items	$805,000	1,480
Extraordinary gains, net	$0	9
Net income	$805,000	1,480
Minority interest net income	$0	86
Net income of bank and minority interests.	$805,000	1,480
Net charge-offs	$121,000	2,553
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$638,170	1,770
2010-12-31 (YTD Data)		Rank
Total interest income	$15,550,000	1,952
Total interest expense	$6,189,000	1,340
Net interest income	$9,361,000	2,331
Provision for loan and lease losses	$502,000	4,115
Total noninterest income	$379,000	5,045
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$379,000	3,608
Total noninterest expense	$4,341,000	3,985
Salaries and employee benefits	$2,703,000	3,395
Premises and equipment expense	$738,000	3,157
Additional noninterest expense	$900,000	5,353
Pre-tax net operating income	$4,897,000	1,052
Securities gains (losses)	$89,000	2,258
Applicable income taxes	$1,644,000	844
Income before extraordinary items	$3,342,000	1,271
Extraordinary gains, net	$0	29
Net income	$3,342,000	1,273
Minority interest net income	$0	111
Net income of bank and minority interests.	$3,342,000	1,274
Net charge-offs	$212,000	4,704
Cash dividends	$0	4,193
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$3,282,370	1,247
2010-09-30 (YTD Data)		Rank
Total interest income	$11,768,000	1,969
Total interest expense	$4,755,000	1,352
Net interest income	$7,013,000	2,375
Provision for loan and lease losses	$338,000	4,159
Total noninterest income	$293,000	5,086
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	165
Additional Noninterest Income	$293,000	3,581
Total noninterest expense	$3,166,000	4,073
Salaries and employee benefits	$1,954,000	3,499
Premises and equipment expense	$533,000	3,310
Additional noninterest expense	$679,000	5,347
Pre-tax net operating income	$3,802,000	1,070
Securities gains (losses)	$0	3,651
Applicable income taxes	$1,254,000	858
Income before extraordinary items	$2,548,000	1,304
Extraordinary gains, net	$0	23
Net income	$2,548,000	1,308
Minority interest net income	$0	110
Net income of bank and minority interests.	$2,548,000	1,308
Net charge-offs	$73,000	5,209
Cash dividends	$0	3,702
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$2,548,000	1,263
2010-06-30 (YTD Data)		Rank
Total interest income	$7,886,000	1,978
Total interest expense	$3,265,000	1,372
Net interest income	$4,621,000	2,404
Provision for loan and lease losses	$193,000	4,281
Total noninterest income	$215,000	4,896
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	152
Additional Noninterest Income	$215,000	3,391
Total noninterest expense	$2,104,000	4,098
Salaries and employee benefits	$1,290,000	3,557
Premises and equipment expense	$361,000	3,282
Additional noninterest expense	$453,000	5,354
Pre-tax net operating income	$2,539,000	1,052
Securities gains (losses)	$0	3,184
Applicable income taxes	$839,000	823
Income before extraordinary items	$1,700,000	1,297
Extraordinary gains, net	$0	19
Net income	$1,700,000	1,298
Minority interest net income	$0	105
Net income of bank and minority interests.	$1,700,000	1,298
Net charge-offs	$33,000	5,209
Cash dividends	$0	3,476
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$1,700,000	1,253
2010-03-31 (YTD Data)		Rank
Total interest income	$3,971,000	2,016
Total interest expense	$1,695,000	1,388
Net interest income	$2,276,000	2,471
Provision for loan and lease losses	$58,000	4,742
Total noninterest income	$47,000	6,211
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	175
Additional Noninterest Income	$47,000	4,792
Total noninterest expense	$946,000	4,444
Salaries and employee benefits	$563,000	4,003
Premises and equipment expense	$171,000	3,523
Additional noninterest expense	$212,000	5,545
Pre-tax net operating income	$1,319,000	1,010
Securities gains (losses)	$0	2,284
Applicable income taxes	$436,000	795
Income before extraordinary items	$883,000	1,235
Extraordinary gains, net	$0	16
Net income	$883,000	1,238
Minority interest net income	$0	91
Net income of bank and minority interests.	$883,000	1,237
Net charge-offs	$38,000	3,956
Cash dividends	$0	2,646
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$883,000	1,204
2009-12-31 (YTD Data)		Rank
Total interest income	$16,522,000	2,060
Total interest expense	$7,546,000	1,556
Net interest income	$8,976,000	2,419
Provision for loan and lease losses	$656,000	4,127
Total noninterest income	$160,000	6,502
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	211
Additional Noninterest Income	$160,000	4,987
Total noninterest expense	$4,176,000	4,222
Salaries and employee benefits	$2,418,000	3,784
Premises and equipment expense	$644,000	3,695
Additional noninterest expense	$1,114,000	4,937
Pre-tax net operating income	$4,304,000	975
Securities gains (losses)	$77,000	2,326
Applicable income taxes	$1,454,000	721
Income before extraordinary items	$2,927,000	1,158
Extraordinary gains, net	$0	34
Net income	$2,927,000	1,156
Minority interest net income	$0	115
Net income of bank and minority interests.	$2,927,000	1,157
Net charge-offs	$516,000	3,742
Cash dividends	$0	4,670
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$2,875,410	1,165
2009-09-30 (YTD Data)		Rank
Total interest income	$12,392,000	2,090
Total interest expense	$5,764,000	1,609
Net interest income	$6,628,000	2,455
Provision for loan and lease losses	$564,000	3,616
Total noninterest income	$123,000	6,596
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	212
Additional Noninterest Income	$123,000	5,083
Total noninterest expense	$3,158,000	4,203
Salaries and employee benefits	$1,789,000	3,868
Premises and equipment expense	$481,000	3,726
Additional noninterest expense	$888,000	4,757
Pre-tax net operating income	$3,029,000	1,080
Securities gains (losses)	$69,000	2,087
Applicable income taxes	$1,031,000	829
Income before extraordinary items	$2,067,000	1,297
Extraordinary gains, net	$0	27
Net income	$2,067,000	1,296
Minority interest net income	$0	118
Net income of bank and minority interests.	$2,067,000	1,297
Net charge-offs	$439,000	3,210
Cash dividends	$0	4,191
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$2,020,770	1,296
2009-06-30 (YTD Data)		Rank
Total interest income	$8,355,000	2,105
Total interest expense	$3,932,000	1,657
Net interest income	$4,423,000	2,441
Provision for loan and lease losses	$470,000	3,051
Total noninterest income	$67,000	6,875
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	193
Additional Noninterest Income	$67,000	5,424
Total noninterest expense	$2,193,000	4,107
Salaries and employee benefits	$1,207,000	3,885
Premises and equipment expense	$320,000	3,748
Additional noninterest expense	$666,000	4,404
Pre-tax net operating income	$1,827,000	1,258
Securities gains (losses)	$0	3,136
Applicable income taxes	$606,000	925
Income before extraordinary items	$1,221,000	1,521
Extraordinary gains, net	$0	21
Net income	$1,221,000	1,518
Minority interest net income	$0	112
Net income of bank and minority interests.	$1,221,000	1,520
Net charge-offs	$90,000	4,361
Cash dividends	$0	3,983
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$1,221,000	1,493
2009-03-31 (YTD Data)		Rank
Total interest income	$4,246,000	2,095
Total interest expense	$2,035,000	1,667
Net interest income	$2,211,000	2,440
Provision for loan and lease losses	$0	6,744
Total noninterest income	$51,000	6,357
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	171
Additional Noninterest Income	$51,000	4,806
Total noninterest expense	$967,000	4,408
Salaries and employee benefits	$566,000	4,074
Premises and equipment expense	$162,000	3,754
Additional noninterest expense	$239,000	5,067
Pre-tax net operating income	$1,295,000	981
Securities gains (losses)	$0	2,434
Applicable income taxes	$433,000	770
Income before extraordinary items	$862,000	1,270
Extraordinary gains, net	$0	15
Net income	$862,000	1,271
Minority interest net income	$0	102
Net income of bank and minority interests.	$862,000	1,272
Net charge-offs	$0	5,728
Cash dividends	$0	3,051
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$862,000	1,202
2008-12-31 (YTD Data)		Rank
Total interest income	$16,034,000	2,329
Total interest expense	$8,655,000	1,841
Net interest income	$7,379,000	2,898
Provision for loan and lease losses	$112,000	5,913
Total noninterest income	$230,000	6,284
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	154
Additional Noninterest Income	$230,000	4,613
Total noninterest expense	$4,098,000	4,155
Salaries and employee benefits	$2,623,000	3,636
Premises and equipment expense	$623,000	3,823
Additional noninterest expense	$852,000	5,299
Pre-tax net operating income	$3,399,000	1,601
Securities gains (losses)	$-1,000	6,828
Applicable income taxes	$1,113,000	1,100
Income before extraordinary items	$2,285,000	1,748
Extraordinary gains, net	$0	39
Net income	$2,285,000	1,749
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$172,000	4,303
Cash dividends	$0	5,455
Sale, conversion, retirement of capital stock, net	$4,764,000	230
Net operating income	$2,285,670	1,869
2008-09-30 (YTD Data)		Rank
Total interest income	$11,905,000	2,398
Total interest expense	$6,493,000	1,900
Net interest income	$5,412,000	2,989
Provision for loan and lease losses	$50,000	5,872
Total noninterest income	$168,000	6,432
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	148
Additional Noninterest Income	$168,000	4,764
Total noninterest expense	$3,162,000	4,066
Salaries and employee benefits	$2,055,000	3,527
Premises and equipment expense	$462,000	3,870
Additional noninterest expense	$645,000	5,210
Pre-tax net operating income	$2,368,000	2,026
Securities gains (losses)	$-1,000	7,156
Applicable income taxes	$770,000	1,410
Income before extraordinary items	$1,597,000	2,206
Extraordinary gains, net	$0	31
Net income	$1,597,000	2,204
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$106,000	3,875
Cash dividends	$0	4,937
Sale, conversion, retirement of capital stock, net	$4,764,000	159
Net operating income	$1,597,670	2,317
2008-06-30 (YTD Data)		Rank
Total interest income	$7,798,000	2,473
Total interest expense	$4,370,000	1,980
Net interest income	$3,428,000	3,121
Provision for loan and lease losses	$50,000	5,164
Total noninterest income	$111,000	6,501
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	149
Additional Noninterest Income	$111,000	4,867
Total noninterest expense	$2,220,000	3,929
Salaries and employee benefits	$1,506,000	3,320
Premises and equipment expense	$314,000	3,830
Additional noninterest expense	$400,000	5,421
Pre-tax net operating income	$1,269,000	2,493
Securities gains (losses)	$-1,000	7,955
Applicable income taxes	$403,000	1,861
Income before extraordinary items	$865,000	2,888
Extraordinary gains, net	$0	21
Net income	$865,000	2,888
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$106,000	2,958
Cash dividends	$0	4,733
Sale, conversion, retirement of capital stock, net	$4,764,000	109
Net operating income	$865,680	2,833
2008-03-31 (YTD Data)		Rank
Total interest income	$3,865,000	2,542
Total interest expense	$2,270,000	2,033
Net interest income	$1,595,000	3,335
Provision for loan and lease losses	$0	6,080
Total noninterest income	$59,000	6,392
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	158
Additional Noninterest Income	$59,000	4,725
Total noninterest expense	$1,047,000	4,107
Salaries and employee benefits	$733,000	3,425
Premises and equipment expense	$162,000	3,751
Additional noninterest expense	$152,000	6,154
Pre-tax net operating income	$607,000	2,679
Securities gains (losses)	$0	2,688
Applicable income taxes	$201,000	1,959
Income before extraordinary items	$406,000	3,160
Extraordinary gains, net	$0	15
Net income	$406,000	3,162
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$106,000	1,760
Cash dividends	$0	3,705
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$406,000	3,084
2007-12-31 (YTD Data)		Rank
Total interest income	$15,966,000	2,548
Total interest expense	$10,480,000	1,890
Net interest income	$5,486,000	3,743
Provision for loan and lease losses	$95,000	4,990
Total noninterest income	$218,000	6,626
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	178
Additional Noninterest Income	$218,000	4,888
Total noninterest expense	$4,636,000	3,669
Salaries and employee benefits	$1,857,000	4,638
Premises and equipment expense	$650,000	3,633
Additional noninterest expense	$2,129,000	2,517
Pre-tax net operating income	$973,000	4,791
Securities gains (losses)	$1,000	1,983
Applicable income taxes	$336,000	3,231
Income before extraordinary items	$638,000	5,226
Extraordinary gains, net	$0	39
Net income	$638,000	5,228
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,600
Cash dividends	$0	5,817
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$637,340	5,214
2007-09-30 (YTD Data)		Rank
Total interest income	$11,906,000	2,557
Total interest expense	$7,857,000	1,888
Net interest income	$4,049,000	3,794
Provision for loan and lease losses	$95,000	4,180
Total noninterest income	$157,000	6,709
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	184
Additional Noninterest Income	$157,000	4,997
Total noninterest expense	$2,617,000	4,506
Salaries and employee benefits	$1,681,000	4,013
Premises and equipment expense	$490,000	3,602
Additional noninterest expense	$446,000	6,129
Pre-tax net operating income	$1,494,000	3,487
Securities gains (losses)	$1,000	1,492
Applicable income taxes	$519,000	2,486
Income before extraordinary items	$976,000	3,948
Extraordinary gains, net	$0	33
Net income	$976,000	3,947
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,076
Cash dividends	$0	5,179
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$975,350	3,938
2007-06-30 (YTD Data)		Rank
Total interest income	$7,812,000	2,608
Total interest expense	$5,177,000	1,908
Net interest income	$2,635,000	3,878
Provision for loan and lease losses	$75,000	3,728
Total noninterest income	$110,000	6,684
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	168
Additional Noninterest Income	$110,000	4,949
Total noninterest expense	$1,531,000	4,951
Salaries and employee benefits	$898,000	4,763
Premises and equipment expense	$339,000	3,531
Additional noninterest expense	$294,000	6,172
Pre-tax net operating income	$1,139,000	3,221
Securities gains (losses)	$1,000	1,305
Applicable income taxes	$391,000	2,409
Income before extraordinary items	$749,000	3,671
Extraordinary gains, net	$0	29
Net income	$749,000	3,671
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,517
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$748,340	3,649
2007-03-31 (YTD Data)		Rank
Total interest income	$3,856,000	2,630
Total interest expense	$2,560,000	1,911
Net interest income	$1,296,000	3,916
Provision for loan and lease losses	$35,000	3,592
Total noninterest income	$62,000	6,469
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	195
Additional Noninterest Income	$62,000	4,685
Total noninterest expense	$743,000	5,048
Salaries and employee benefits	$447,000	4,805
Premises and equipment expense	$151,000	3,851
Additional noninterest expense	$145,000	6,208
Pre-tax net operating income	$580,000	3,196
Securities gains (losses)	$1,000	1,055
Applicable income taxes	$198,000	2,416
Income before extraordinary items	$383,000	3,599
Extraordinary gains, net	$0	22
Net income	$383,000	3,599
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$382,340	3,582
2006-12-31 (YTD Data)		Rank
Total interest income	$14,863,000	2,571
Total interest expense	$9,599,000	1,748
Net interest income	$5,264,000	3,870
Provision for loan and lease losses	$170,000	3,852
Total noninterest income	$228,000	6,697
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$228,000	4,873
Total noninterest expense	$2,895,000	4,998
Salaries and employee benefits	$1,778,000	4,652
Premises and equipment expense	$608,000	3,730
Additional noninterest expense	$509,000	6,496
Pre-tax net operating income	$2,427,000	3,191
Securities gains (losses)	$154,000	438
Applicable income taxes	$838,000	2,415
Income before extraordinary items	$1,743,000	3,428
Extraordinary gains, net	$0	51
Net income	$1,743,000	3,426
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	7,949
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,638,280	3,551
2006-09-30 (YTD Data)		Rank
Total interest income	$11,110,000	2,567
Total interest expense	$7,109,000	1,717
Net interest income	$4,001,000	3,846
Provision for loan and lease losses	$129,000	3,721
Total noninterest income	$143,000	7,042
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$143,000	5,225
Total noninterest expense	$2,141,000	5,039
Salaries and employee benefits	$1,308,000	4,691
Premises and equipment expense	$470,000	3,652
Additional noninterest expense	$363,000	6,610
Pre-tax net operating income	$1,874,000	3,250
Securities gains (losses)	$147,000	373
Applicable income taxes	$687,000	2,403
Income before extraordinary items	$1,334,000	3,471
Extraordinary gains, net	$0	45
Net income	$1,334,000	3,473
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,141
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,236,980	3,645
2006-06-30 (YTD Data)		Rank
Total interest income	$7,376,000	2,550
Total interest expense	$4,663,000	1,666
Net interest income	$2,713,000	3,821
Provision for loan and lease losses	$89,000	3,618
Total noninterest income	$86,000	7,234
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$86,000	5,447
Total noninterest expense	$1,384,000	5,157
Salaries and employee benefits	$821,000	4,913
Premises and equipment expense	$321,000	3,570
Additional noninterest expense	$242,000	6,650
Pre-tax net operating income	$1,326,000	3,143
Securities gains (losses)	$86,000	372
Applicable income taxes	$480,000	2,376
Income before extraordinary items	$932,000	3,375
Extraordinary gains, net	$0	39
Net income	$932,000	3,378
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,860
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$875,240	3,507
2006-03-31 (YTD Data)		Rank
Total interest income	$3,651,000	2,525
Total interest expense	$2,291,000	1,615
Net interest income	$1,360,000	3,820
Provision for loan and lease losses	$45,000	3,261
Total noninterest income	$27,000	7,770
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$27,000	6,246
Total noninterest expense	$682,000	5,210
Salaries and employee benefits	$418,000	4,871
Premises and equipment expense	$154,000	3,708
Additional noninterest expense	$110,000	6,869
Pre-tax net operating income	$660,000	3,103
Securities gains (losses)	$89,000	267
Applicable income taxes	$255,000	2,235
Income before extraordinary items	$494,000	3,189
Extraordinary gains, net	$0	21
Net income	$494,000	3,188
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$435,260	3,462
2005-12-31 (YTD Data)		Rank
Total interest income	$14,035,000	2,354
Total interest expense	$8,015,000	1,415
Net interest income	$6,020,000	3,417
Provision for loan and lease losses	$183,000	3,729
Total noninterest income	$148,000	7,514
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$148,000	5,756
Total noninterest expense	$2,864,000	4,938
Salaries and employee benefits	$1,647,000	4,762
Premises and equipment expense	$582,000	3,746
Additional noninterest expense	$635,000	5,874
Pre-tax net operating income	$3,121,000	2,671
Securities gains (losses)	$108,000	676
Applicable income taxes	$1,074,000	2,168
Income before extraordinary items	$2,155,000	2,904
Extraordinary gains, net	$0	46
Net income	$2,155,000	2,905
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	5,675
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$2,082,640	2,959
2005-09-30 (YTD Data)		Rank
Total interest income	$10,383,000	2,336
Total interest expense	$5,779,000	1,388
Net interest income	$4,604,000	3,353
Provision for loan and lease losses	$133,000	3,730
Total noninterest income	$109,000	7,560
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$109,000	5,804
Total noninterest expense	$2,121,000	4,941
Salaries and employee benefits	$1,229,000	4,753
Premises and equipment expense	$439,000	3,718
Additional noninterest expense	$453,000	6,005
Pre-tax net operating income	$2,459,000	2,599
Securities gains (losses)	$3,000	1,906
Applicable income taxes	$853,000	2,110
Income before extraordinary items	$1,609,000	2,964
Extraordinary gains, net	$0	35
Net income	$1,609,000	2,965
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	4,957
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,607,050	2,928
2005-06-30 (YTD Data)		Rank
Total interest income	$6,841,000	2,310
Total interest expense	$3,710,000	1,357
Net interest income	$3,131,000	3,287
Provision for loan and lease losses	$86,000	3,665
Total noninterest income	$72,000	7,573
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$72,000	5,829
Total noninterest expense	$1,413,000	4,942
Salaries and employee benefits	$791,000	4,844
Premises and equipment expense	$293,000	3,693
Additional noninterest expense	$329,000	5,726
Pre-tax net operating income	$1,704,000	2,473
Securities gains (losses)	$3,000	1,754
Applicable income taxes	$586,000	2,043
Income before extraordinary items	$1,121,000	2,821
Extraordinary gains, net	$0	30
Net income	$1,121,000	2,821
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$1,119,020	2,786
2005-03-31 (YTD Data)		Rank
Total interest income	$3,406,000	2,268
Total interest expense	$1,780,000	1,343
Net interest income	$1,626,000	3,179
Provision for loan and lease losses	$46,000	3,310
Total noninterest income	$30,000	7,797
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$30,000	6,174
Total noninterest expense	$708,000	4,959
Salaries and employee benefits	$396,000	4,872
Premises and equipment expense	$130,000	4,075
Additional noninterest expense	$182,000	5,390
Pre-tax net operating income	$902,000	2,351
Securities gains (losses)	$0	1,685
Applicable income taxes	$313,000	1,918
Income before extraordinary items	$589,000	2,661
Extraordinary gains, net	$0	24
Net income	$589,000	2,662
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$589,000	2,618
2004-12-31 (YTD Data)		Rank
Total interest income	$13,349,000	2,150
Total interest expense	$6,947,000	1,171
Net interest income	$6,402,000	3,117
Provision for loan and lease losses	$130,000	4,479
Total noninterest income	$176,000	7,365
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$176,000	5,370
Total noninterest expense	$2,764,000	4,946
Salaries and employee benefits	$1,642,000	4,652
Premises and equipment expense	$519,000	3,968
Additional noninterest expense	$603,000	5,962
Pre-tax net operating income	$3,684,000	2,191
Securities gains (losses)	$1,000	3,645
Applicable income taxes	$1,340,000	1,755
Income before extraordinary items	$2,345,000	2,554
Extraordinary gains, net	$0	34
Net income	$2,345,000	2,557
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	8,264
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$2,344,360	2,502
2004-09-30 (YTD Data)		Rank
Total interest income	$10,065,000	2,102
Total interest expense	$5,191,000	1,149
Net interest income	$4,874,000	3,071
Provision for loan and lease losses	$105,000	4,188
Total noninterest income	$134,000	7,389
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$134,000	5,364
Total noninterest expense	$1,990,000	5,054
Salaries and employee benefits	$1,204,000	4,668
Premises and equipment expense	$385,000	3,983
Additional noninterest expense	$401,000	6,301
Pre-tax net operating income	$2,913,000	2,118
Securities gains (losses)	$1,000	3,538
Applicable income taxes	$1,052,000	1,698
Income before extraordinary items	$1,862,000	2,477
Extraordinary gains, net	$0	26
Net income	$1,862,000	2,480
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	8,126
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,861,360	2,418
2004-06-30 (YTD Data)		Rank
Total interest income	$6,641,000	2,104
Total interest expense	$3,461,000	1,139
Net interest income	$3,180,000	3,119
Provision for loan and lease losses	$67,000	4,166
Total noninterest income	$97,000	7,299
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$97,000	5,216
Total noninterest expense	$1,327,000	5,061
Salaries and employee benefits	$777,000	4,810
Premises and equipment expense	$256,000	3,999
Additional noninterest expense	$294,000	6,035
Pre-tax net operating income	$1,883,000	2,151
Securities gains (losses)	$1,000	3,212
Applicable income taxes	$681,000	1,743
Income before extraordinary items	$1,203,000	2,516
Extraordinary gains, net	$0	21
Net income	$1,203,000	2,517
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	8,060
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$1,202,360	2,453
2004-03-31 (YTD Data)		Rank
Total interest income	$3,319,000	2,105
Total interest expense	$1,747,000	1,145
Net interest income	$1,572,000	3,148
Provision for loan and lease losses	$37,000	3,840
Total noninterest income	$48,000	7,273
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$48,000	5,207
Total noninterest expense	$651,000	5,156
Salaries and employee benefits	$383,000	4,889
Premises and equipment expense	$132,000	3,942
Additional noninterest expense	$136,000	6,288
Pre-tax net operating income	$932,000	2,138
Securities gains (losses)	$0	2,934
Applicable income taxes	$337,000	1,775
Income before extraordinary items	$595,000	2,514
Extraordinary gains, net	$0	16
Net income	$595,000	2,515
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	3,417
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$595,000	2,433
2003-12-31 (YTD Data)		Rank
Total interest income	$13,702,000	2,077
Total interest expense	$7,728,000	1,164
Net interest income	$5,974,000	3,205
Provision for loan and lease losses	$51,000	6,233
Total noninterest income	$314,000	6,500
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$314,000	4,416
Total noninterest expense	$2,644,000	5,014
Salaries and employee benefits	$1,527,000	4,789
Premises and equipment expense	$509,000	4,009
Additional noninterest expense	$608,000	5,953
Pre-tax net operating income	$3,593,000	2,167
Securities gains (losses)	$4,000	3,987
Applicable income taxes	$1,294,000	1,829
Income before extraordinary items	$2,303,000	2,552
Extraordinary gains, net	$0	54
Net income	$2,303,000	2,555
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	7,116
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$2,300,440	2,438
2003-09-30 (YTD Data)		Rank
Total interest income	$10,396,000	2,084
Total interest expense	$5,904,000	1,181
Net interest income	$4,492,000	3,203
Provision for loan and lease losses	$23,000	6,658
Total noninterest income	$241,000	6,500
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$241,000	4,448
Total noninterest expense	$1,969,000	5,039
Salaries and employee benefits	$1,127,000	4,834
Premises and equipment expense	$371,000	4,076
Additional noninterest expense	$471,000	5,825
Pre-tax net operating income	$2,741,000	2,198
Securities gains (losses)	$4,000	3,690
Applicable income taxes	$985,000	1,877
Income before extraordinary items	$1,760,000	2,612
Extraordinary gains, net	$0	40
Net income	$1,760,000	2,610
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,967
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,757,440	2,481
2003-06-30 (YTD Data)		Rank
Total interest income	$7,041,000	2,069
Total interest expense	$4,030,000	1,184
Net interest income	$3,011,000	3,176
Provision for loan and lease losses	$23,000	6,223
Total noninterest income	$166,000	6,401
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$166,000	4,376
Total noninterest expense	$1,238,000	5,229
Salaries and employee benefits	$738,000	4,893
Premises and equipment expense	$243,000	4,137
Additional noninterest expense	$257,000	6,440
Pre-tax net operating income	$1,916,000	2,118
Securities gains (losses)	$4,000	3,287
Applicable income taxes	$684,000	1,848
Income before extraordinary items	$1,236,000	2,511
Extraordinary gains, net	$0	30
Net income	$1,236,000	2,509
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$1,233,440	2,363
2003-03-31 (YTD Data)		Rank
Total interest income	$3,634,000	2,013
Total interest expense	$2,070,000	1,181
Net interest income	$1,564,000	3,052
Provision for loan and lease losses	$0	6,934
Total noninterest income	$82,000	6,373
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$82,000	4,290
Total noninterest expense	$601,000	5,328
Salaries and employee benefits	$364,000	4,951
Premises and equipment expense	$121,000	4,122
Additional noninterest expense	$116,000	6,738
Pre-tax net operating income	$1,045,000	1,964
Securities gains (losses)	$0	2,891
Applicable income taxes	$371,000	1,736
Income before extraordinary items	$674,000	2,270
Extraordinary gains, net	$0	21
Net income	$674,000	2,268
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$674,000	2,150
2002-12-31 (YTD Data)		Rank
Total interest income	$14,675,000	2,093
Total interest expense	$8,808,000	1,273
Net interest income	$5,867,000	3,202
Provision for loan and lease losses	$5,000	7,962
Total noninterest income	$433,000	5,588
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$433,000	3,544
Total noninterest expense	$2,459,000	5,136
Salaries and employee benefits	$1,441,000	4,839
Premises and equipment expense	$412,000	4,544
Additional noninterest expense	$606,000	5,889
Pre-tax net operating income	$3,836,000	2,055
Securities gains (losses)	$4,000	4,045
Applicable income taxes	$1,288,000	1,856
Income before extraordinary items	$2,552,000	2,315
Extraordinary gains, net	$0	70
Net income	$2,552,000	2,315
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	8,977
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$2,549,360	2,241
2001-12-31 (YTD Data)		Rank
Total interest income	$14,392,000	2,379
Total interest expense	$9,587,000	1,697
Net interest income	$4,805,000	3,553
Provision for loan and lease losses	$20,000	7,552
Total noninterest income	$354,000	5,997
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$354,000	3,788
Total noninterest expense	$2,263,000	5,290
Salaries and employee benefits	$1,351,000	4,890
Premises and equipment expense	$352,000	5,011
Additional noninterest expense	$560,000	6,097
Pre-tax net operating income	$2,876,000	2,357
Securities gains (losses)	$0	4,612
Applicable income taxes	$1,044,000	2,014
Income before extraordinary items	$1,832,000	2,742
Extraordinary gains, net	$0	105
Net income	$1,832,000	2,745
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	6,796
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,832,000	2,651
2000-12-31 (YTD Data)		Rank
Total interest income	$13,889,000	2,502
Total interest expense	$8,857,000	1,950
Net interest income	$5,032,000	3,445
Provision for loan and lease losses	$21,000	7,573
Total noninterest income	$365,000	5,794
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$365,000	3,553
Total noninterest expense	$2,126,000	5,455
Salaries and employee benefits	$1,259,000	5,015
Premises and equipment expense	$349,000	4,941
Additional noninterest expense	$518,000	6,296
Pre-tax net operating income	$3,250,000	2,216
Securities gains (losses)	$0	1,956
Applicable income taxes	$1,220,000	1,797
Income before extraordinary items	$2,030,000	2,527
Extraordinary gains, net	$0	38
Net income	$2,030,000	2,526
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	6,623
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$2,030,000	2,527
1999-12-31 (YTD Data)		Rank
Total interest income	$12,536,000	2,595
Total interest expense	$7,694,000	1,945
Net interest income	$4,842,000	3,546
Provision for loan and lease losses	$3,000	8,407
Total noninterest income	$370,000	5,837
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$370,000	3,586
Total noninterest expense	$2,058,000	5,580
Salaries and employee benefits	$1,220,000	5,103
Premises and equipment expense	$349,000	4,971
Additional noninterest expense	$489,000	6,588
Pre-tax net operating income	$3,151,000	2,305
Securities gains (losses)	$0	3,155
Applicable income taxes	$1,114,000	2,047
Income before extraordinary items	$2,037,000	2,550
Extraordinary gains, net	$0	35
Net income	$2,037,000	2,550
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,897
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$2,037,000	2,511
1998-12-31 (YTD Data)		Rank
Total interest income	$11,752,000	2,751
Total interest expense	$7,091,000	2,141
Net interest income	$4,661,000	3,633
Provision for loan and lease losses	$0	8,652
Total noninterest income	$315,000	6,326
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$315,000	3,914
Total noninterest expense	$2,191,000	5,239
Salaries and employee benefits	$1,243,000	4,931
Premises and equipment expense	$345,000	4,929
Additional noninterest expense	$603,000	5,740
Pre-tax net operating income	$2,785,000	2,542
Securities gains (losses)	$0	4,449
Applicable income taxes	$1,096,000	2,144
Income before extraordinary items	$1,689,000	2,950
Extraordinary gains, net	$0	32
Net income	$1,689,000	2,952
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-45,000	10,082
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,689,000	2,859
1997-12-31 (YTD Data)		Rank
Total interest income	$11,292,000	2,890
Total interest expense	$6,535,000	2,295
Net interest income	$4,757,000	3,650
Provision for loan and lease losses	$74,000	5,820
Total noninterest income	$229,000	7,475
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$229,000	4,621
Total noninterest expense	$1,936,000	5,774
Salaries and employee benefits	$1,098,000	5,480
Premises and equipment expense	$311,000	5,340
Additional noninterest expense	$527,000	6,295
Pre-tax net operating income	$2,976,000	2,512
Securities gains (losses)	$0	3,944
Applicable income taxes	$1,131,000	2,201
Income before extraordinary items	$1,845,000	2,773
Extraordinary gains, net	$0	44
Net income	$1,845,000	2,772
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-91,000	10,687
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,845,000	2,722
1996-12-31 (YTD Data)		Rank
Total interest income	$10,892,000	3,017
Total interest expense	$6,297,000	2,452
Net interest income	$4,595,000	3,821
Provision for loan and lease losses	$106,000	4,950
Total noninterest income	$190,000	8,375
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$190,000	5,320
Total noninterest expense	$2,760,000	4,615
Salaries and employee benefits	$1,053,000	5,782
Premises and equipment expense	$333,000	5,193
Additional noninterest expense	$1,374,000	3,361
Pre-tax net operating income	$1,919,000	3,515
Securities gains (losses)	$0	4,148
Applicable income taxes	$749,000	3,018
Income before extraordinary items	$1,170,000	3,952
Extraordinary gains, net	$0	53
Net income	$1,170,000	3,953
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,175
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$1,170,000	3,905
1995-12-31 (YTD Data)		Rank
Total interest income	$10,257,000	3,217
Total interest expense	$6,074,000	2,522
Net interest income	$4,183,000	4,157
Provision for loan and lease losses	$84,000	4,983
Total noninterest income	$185,000	8,675
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$185,000	5,343
Total noninterest expense	$1,934,000	6,143
Salaries and employee benefits	$1,010,000	6,009
Premises and equipment expense	$301,000	5,611
Additional noninterest expense	$623,000	6,384
Pre-tax net operating income	$2,350,000	3,025
Securities gains (losses)	$0	3,831
Applicable income taxes	$827,000	2,800
Income before extraordinary items	$1,523,000	3,206
Extraordinary gains, net	$0	65
Net income	$1,523,000	3,203
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$74,000	4,392
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$1,523,000	3,190
1994-12-31 (YTD Data)		Rank
Total interest income	$9,339,000	3,232
Total interest expense	$5,135,000	2,401
Net interest income	$4,204,000	4,186
Provision for loan and lease losses	$284,000	2,381
Total noninterest income	$176,000	9,181
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$176,000	5,699
Total noninterest expense	$1,760,000	6,797
Salaries and employee benefits	$904,000	6,600
Premises and equipment expense	$281,000	5,988
Additional noninterest expense	$575,000	7,213
Pre-tax net operating income	$2,336,000	3,008
Securities gains (losses)	$0	3,600
Applicable income taxes	$858,000	2,603
Income before extraordinary items	$1,478,000	3,215
Extraordinary gains, net	$167,000	79
Net income	$1,645,000	2,935
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$286,000	1,967
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$1,478,000	3,248
1993-12-31 (YTD Data)		Rank
Total interest income	$8,001,000	3,817
Total interest expense	$4,935,000	2,602
Net interest income	$3,066,000	5,566
Provision for loan and lease losses	$54,000	7,292
Total noninterest income	$205,000	9,141
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$205,000	5,584
Total noninterest expense	$1,648,000	7,360
Salaries and employee benefits	$825,000	7,170
Premises and equipment expense	$284,000	6,125
Additional noninterest expense	$539,000	7,867
Pre-tax net operating income	$1,569,000	4,152
Securities gains (losses)	$5,000	6,132
Applicable income taxes	$537,000	3,934
Income before extraordinary items	$1,037,000	4,565
Extraordinary gains, net	$0	3,149
Net income	$1,037,000	4,692
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	5,302
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$1,033,700	4,329
1992-12-31 (YTD Data)		Rank
Total interest income	$8,853,000	3,917
Total interest expense	$5,747,000	2,904
Net interest income	$3,106,000	5,564
Provision for loan and lease losses	$216,000	5,027
Total noninterest income	$194,000	9,533
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$194,000	5,772
Total noninterest expense	$1,751,000	7,103
Salaries and employee benefits	$946,000	6,360
Premises and equipment expense	$271,000	6,424
Additional noninterest expense	$534,000	8,156
Pre-tax net operating income	$1,333,000	4,515
Securities gains (losses)	$0	8,369
Applicable income taxes	$554,000	3,668
Income before extraordinary items	$779,000	5,472
Extraordinary gains, net	$0	1,422
Net income	$779,000	5,534
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$66,000	6,907
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$779,000	5,153

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.